Vani Commercials Ltd (VANICOM) Fair Value & Analysis
Financial Services · IN · Market cap ₹260M
Risks
Fair value as of: Aug 13, 2026
From 9 valuation models · updated 7 days ago
Fair value updated Aug 13, 2026, revised from ₹2.85 to ₹2.53 (−11.2%) since Jul 6, 2026. Share price −12.0% over the past month.
Below-average quality, and screening another 68% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹2.53). The favourable scenario is already priced in.
- Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹1.65 – ₹19.00 · the ₹7.92 price screens above the ₹2.53 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Vani Commercials Ltd (VANICOM) currently trades at ₹7.92, while our model-based Fair Value estimate is ₹2.53, implying the stock looks roughly 68.1% overvalued today. The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Vani Commercials Ltd generated revenue of ₹44.1M at a net margin of 8.2%. Revenue grew 158.3% year over year. It earns a return on equity of 1.5%. Net debt stands at ₹305M. Fundamentals as of Aug 13, 2026
The share trades about 43% below its 52-week high and 18% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at -68%, VANICOM screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 9 models by family
Widest divergence: Growth DCF (₹56.63) versus Multiples (₹1.15). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 30
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Vani Commercials Limited, a non-banking finance company, provides lending services to retail and commercial customers, and micro, small, and medium enterprises in India.
Full company description
Vani Commercials Limited, a non-banking finance company, provides lending services to retail and commercial customers, and micro, small, and medium enterprises in India. The company offers loans for the purchase of equipment and machinery, working capital loans, loans for business or capacity expansion, term loans against property, and loans for purchase of commercial property, as well as lease rental discounting services. It also provides financial services comprising personal, unsecured, and home loans; corporate deposits; and management and financial consultant, and retail IPO funding services. Vani Commercials Limited was founded in 1988 and is based in New Delhi, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Vani Commercials Ltd reported revenue of ₹33.8M in FY2025 versus ₹6.7M in FY2021, a compound +50.0%/yr. Reported net income was ₹2.6M in FY2025, compounding +71.6%/yr from FY2021.
VANICOM screens 68% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 336 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $573.72 | $221.87 | -61% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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